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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $424,888 | $175,259+142.4% | $149,723+183.8% | $139,487+204.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 31.29% | 166.82%-135.5pp | 134.50%-103.2pp | 373.84%-342.5pp |
| Employer contribution / active EE | $4,014 | $5,478-26.7% | $4,821-16.7% | $4,755-15.6% |
| Participant deferral / active EE | $13,717 | $6,522+110.3% | $5,682+141.4% | $6,713+104.4% |
| Admin fee / account holder | $2,431 | $16,158-85.0% | $13,215-81.6% | $11,407-78.7% |